Direct Funding runs on trust. Scaling it takes systems.
Turn your messy, relationship-driven workflows into clear, repeatable operations — across underwriting, docs, monitoring, servicing, and finance. We build it, run it, and keep it moving.
Our team
Your firm is strong at relationships. The process behind the relationship is the problem.
Your firm runs on trust, speed, and judgment. But inside many firms, the work behind the deal still runs through PDFs, inboxes, spreadsheets, and memory. That is why growth starts to feel fragile. The operation is still running on tribal knowledge instead of clear systems.
The Mirage.
You don’t need another generic SaaS tool. Off-the-shelf automation breaks the second it hits an exception in a Friday afternoon email thread.
Downstream Shifting.
If you use automation to pull data before fixing your underlying data plumbing, you aren’t saving time. You’re just forcing your most expensive analysts to clean up the mistakes downstream.
Buy outcomes, not software.
Starter Stack is an AI-Native Service (AINS) partner. We don’t just sell you a dashboard and leave you to figure it out. We identify your operational bottlenecks, build the custom AI agents, and run them directly on our infrastructure. You hold us accountable as a single point of responsibility.
Strategy
We diagnose your operation and design the exact agentic workflows you need.
Implementation
Our engineers build the agents and normalize your messy data inputs.
Infrastructure
The system runs on our foundational stack, but securely processes your environment’s data. We maintain it.
Starter Stack is built for non-bank lenders.
Direct funders deploying tens to a few hundreds of millions a year across real estate, business credit, working capital, and specialty finance — strong on origination and relationships, light on operational repeatability.
Good fit
Probably not a fit
What happens in your first 30 days
You don't need another platform pitch. You need one real problem fixed first, with automation handling the busywork and our experts working alongside your team so everyone can stay on higher-value work.
Talk to your team
Your people walk us through how work actually gets done — originations, underwriting, servicing, finance. We capture every step and probe where files slow down, so you get a clear picture of what's really happening, not just what's on paper.
Map the workflow
We turn those conversations into a simple map of who does what, in what order, and where the friction is. Our experts mark the spots where automation should step in and where humans must stay in control.
Choose what to fix first
Together, we pick the first workflows to automate and define the split: what the system handles end-to-end, what your team keeps, and how we oversee the whole thing. You see the impact in hours saved and risk reduced before anything goes live.
Run it with you
We plug automation into those workflows and your systems, and stay in the loop to tune them as your operation changes. Your first workflow goes live inside 30 days; from there, the system handles the repetitive work at scale while your team stays focused on judgment calls, exceptions, and relationships.
Where we start most often
You get the most leverage when AI takes the repeatable work off your team in the places everyone feels every day.
Underwriting intake and doc review
AI agents structure borrower files, flag missing stips, and pull key data from statements and tax returns. Your underwriters get cleaner files to review and spend more time on judgment calls, less time chasing PDFs.
Portfolio monitoring
AI agents watch for risk drift, stale payments, and covenant movement so your team gets early warnings on files starting to slip — not just delinquency alerts after the first missed payment.
Servicing handoff and exception routing
AI agents preserve deal context after close and route exceptions to named owners. Your servicing team picks up where underwriting left off instead of rebuilding the story from scratch.
Finance ops and reconciliation
AI agents line up servicing data, bank activity, and accounting records so month-end isn't a manual reconstruction project. Your finance team closes the books faster and focuses on analysis.
Your underwriting box is your edge. Keep it that way.
Your firm has built a way of evaluating deals that is yours — your credit policies, your risk thresholds, your offer logic. We encode those rules into a private system you control. Your data does not go into a shared platform. It does not train a model that competes with you.
Your playbooks stay private
We build the workflow around how your firm thinks, not a generic template. Your credit logic stays yours.
Deployed on our infrastructure or yours
Default is managed on our secure infrastructure. If your risk team needs the system inside your own environment, we can do that too.
Works with what you already use
We connect to the systems your team already works in. No rip-and-replace project required.
Compliance-ready
SOC 2 audit in progress. We share our security policies and deployment architecture so your risk team has what they need.
Works with your current stack
Most lenders do not need a rip-and-replace project. They need a layer that sits across the systems they already use and makes the workflow usable.
Integrations
Deployment
Transformations Live in Production
Real workflows deployed inside lending operations, executing work that previously required entire operational teams.
How a Direct Funder Cut Stacking Detection from 1-2 Days to 10 Minutes
Built for direct funders trying to prevent stacking and hidden obligations. Workflows scan bank statements, payouts, and payment patterns to identify stacked positions quickly and explain the "why" behind the risk.
- →Bank statement ingestion + transaction classification
- →Stacking/obligation detection heuristics + ML signals
- →Merchant cashflow + affordability assessment
- →Merchant identity + consistency checks across sources
- →Risk summary with evidence trails
- →Underwriter queue prioritization + alerts
How a High-Volume Lender Cut Manual Review from Hours to Minutes
Built for high-throughput lenders where underwriting and diligence gets bottlenecked by document review, borrower follow-ups, and policy checks. Workflows triage inbound files, extract key fields, and surface decision-ready summaries with exceptions highlighted.
- →Document intake triage + completeness checks
- →Data extraction into LOS/CRM
- →Policy/credit box checks + exception flags
- →Stip tracking + borrower follow-up drafting
- →Underwriter-ready deal summaries
- →Fraud / inconsistency detection across docs
How an SMB Lender Secured a $100M+ Credit Facility with Portfolio Intelligence
Built for alt finance lenders needing clean, lender-grade portfolio reporting for warehouse lines and credit facilities. Workflows standardize tape data, reconcile servicing + bank activity, and produce covenant + concentration reporting with audit trails.
- →Loan tape normalization + validation
- →Servicer / bank / GL reconciliation
- →Covenant reporting automation
- →Concentration + risk monitoring dashboards
- →Borrowing base calculations + roll-forwards
- →Investor/lender Q&A response packets
Automation that enforces your policy, so you don't have to.
We understand the structural war between your relationship-driven sales teams and discipline-focused risk teams. Our infrastructure bridges the costly "Cliff Handoff" between origination and servicing so your critical deal context is never lost.
Pricing
Cancel anytime. No contracts, no setup fees. Flat monthly fee for design, build, run, and maintenance.
Advisory
You keep the build in‑house. We map your workflows, design the target system, and give your team the rollout plan.
- We review how your work happens today
- We design a better workflow and system map
- You get a rollout plan your team can follow
- Your team does the actual build
Deployment
You own the rules. We design, build, and connect the workflows, then run them on our automation stack for your team.
- You tell us which workflows are slowing you down
- We design, build, and connect those workflows
- We run them on our automation stack
- You set the rules; we keep them running
Managed
You hand us the bottlenecks. We design, build, run, and tune multiple workflows end to end as a managed ops layer.
- We find your biggest bottlenecks
- We design several workflows across the deal life cycle
- We build, run, and tune them for you
- We own the workflows end to end
For the right workflows, we also offer outcome-based pricing tied to a share of measured cost savings or net new revenue. Ask if that model fits your use case.
Pick a time. We'll find your biggest bottleneck.
No pitch. No commitment. Just a look at what's slowing you down.
Cancel anytime · No setup fees · First workflow live in under 30 days
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Everything you need to know about working with Starter Stack
Common questions answered.